97+ Applicants
Posted: 3 days ago
7-10 years
Kurnool, Andhra Pradesh
work from office
Posted: 3 days ago
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Applicants: 97+
Job Description
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Job Description
Job Summary
The Area Credit Manager will be responsible for managing the credit portfolio and ensuring healthy asset quality within the Kurnool region. This role involves leading a team to assess creditworthiness, approve loans, and manage risk effectively.
Job Responsibilities
The Area Credit Manager will be responsible for managing the credit portfolio and ensuring healthy asset quality within the Kurnool region. This role involves leading a team to assess creditworthiness, approve loans, and manage risk effectively.
Job Responsibilities
- Oversee and manage the entire credit process, from application to disbursement and recovery, within the assigned Kurnool area.
- Lead, mentor, and manage a team of credit officers, ensuring adherence to credit policies and procedures.
- Conduct comprehensive credit appraisals and financial analysis of loan applications to assess repayment capacity and risk.
- Make informed credit decisions and recommendations in line with company policies and risk appetite.
- Monitor portfolio performance, identify early warning signals, and implement proactive measures to mitigate credit risk.
- Develop and implement strategies for improving asset quality and reducing non-performing assets (NPAs).
- Ensure compliance with all internal credit policies, regulatory guidelines, and statutory requirements.
- Collaborate with sales and operations teams to achieve business targets while maintaining credit quality.
- Prepare and present regular credit reports and portfolio reviews to senior management.
- Conduct field visits to assess borrower profiles and collateral, as needed.
- Bachelors degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., CA, CFA) preferred.
- Minimum of 7-10 years of experience in credit management, with at least 3-5 years in a leadership role, preferably within the financial services sector.
- In-depth knowledge of credit appraisal techniques, financial statement analysis, and risk assessment methodologies.
- Strong understanding of local market dynamics and economic conditions in the Kurnool region.
- Proven track record of managing a healthy credit portfolio and achieving asset quality targets.
- Excellent leadership, team management, and interpersonal skills.
- Strong analytical, problem-solving, and decision-making abilities.
- Proficient in Microsoft Office Suite, especially Excel for data analysis.
- Ability to work effectively under pressure and meet tight deadlines.
- Fluency in English and Telugu is essential.
Skills
Credit AppraisalCredit RiskCredit ReportsCaCfaCredit ManagerIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
Important dates & deadlines?
Application Deadline
26 Oct 26, 02:01 PM IST
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